Compare Ute & Truck Finance from 50+ Australian Lenders

From dual-cab 4x4s to full-size American trucks, line up sharp rates and repayments that fit your budget.

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Ute Finance Australia
Truck Finance Australia - RAM Ford Chevrolet

Ute and Truck Finance Made Simple

Whether you’re eyeing a Toyota HiLux, Ford Ranger, Isuzu D-MAX or a full-size RAM 1500, Ford F-150/F-250 or Chevy Silverado, we’ll help you finance it on terms that work for you.

Borrow What You Need

Typical amounts from $10,000 to $150,000+

Flexible Terms

1 to 7-year terms — set repayments to suit your cash flow

Fast Decisions

Eligible applications can be assessed the same day

New or Used

Dealer, auction or private sale supported

Predictable Repayments

Lock in fixed repayments so you always know what’s due

Towing & Fit-outs

Bull bars, tow kits, canopies and trays can often be bundled

How it works

Compare lenders without the run-around — clear offers, quick steps, and help at every stage.

1.

Apply online in 3 minutes

Tell us about you, the ute or truck you want, and your budget.

2.

See matched options

Compare secured vs unsecured, fixed vs variable — side by side.

3.

Upload your documents

ID, income and recent bank statements usually do the trick.

4.

Settle & drive

We coordinate with the lender and seller so you can pick up sooner.

How Ute and Truck Finance Works

Backed by over 50+ lenders

Giving you the best chance of being approved.

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CFI
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Finstro
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Flexi Commercial
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Metro
Money3
MoneyMe
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Moula
Multipli
Now Finance
Pepper Money
Plenti
Prospa
Resimac
ScotPac
Selfco
Shift
SocietyOne
UME Loans
Vestone
Westpac
Wisr
Yellow Gate

Ready to get started?

Compare ute and truck finance from 50+ lenders with one simple application.

A quick guide to ute and truck finance

Need a dual-cab for the family and the job site, or stepping up to a full-size truck for towing? A ute or truck loan lets you buy now and spread the cost into manageable repayments over 1–7 years. You keep your savings intact while getting the capability you want — payload, towing, 4x4, accessories — right away.

Lenders look at your income, credit history and the vehicle’s age/value to size the loan and set the rate. Newer vehicles (including RAM 1500/2500, Ford F-150/F-250 and Silverado) can unlock sharper pricing and longer terms; older models are still financeable with slightly different limits. The right structure makes the difference between a stretch and a comfortable fit.

Types of ute and truck loans

Pick the structure that fits your budget and ownership plans:

Secured Car Loan

A car loan secured against the vehicle you're purchasing, offering competitive rates and terms for both new and used cars.

Loan Amount$5,000 - $200,000
Term12 - 84 months
Interest RateFrom 6.09%
Comparison Rate^From 7.76%
Time to Fund24 - 48 hours
EligibilityMinimum income $25,000, Australian resident, Fair credit score
Pros
  • Lower interest rates due to vehicle security
  • Higher loan amounts available
  • Longer repayment terms possible
Cons
  • Vehicle serves as collateral - risk of repossession
  • Restrictions on selling the vehicle during loan term
  • Comprehensive insurance typically required
Best For

Car buyers seeking the lowest possible rates who are comfortable securing the loan against their vehicle. Perfect for new and used car purchases with competitive terms.

Unsecured Personal Loan

A personal loan that doesn't require collateral, based on your creditworthiness and ability to repay, offering flexibility for various purposes.

Loan Amount$5,000 - $200,000
Term6 - 84 months
Interest RateFrom 6.3%
Comparison Rate^From 7.97%
Time to Fund24 - 48 hours
EligibilityMinimum income $20,000, Australian resident, Fair credit score
Pros
  • No collateral required - no risk to personal assets
  • Quick approval and funding process
  • Flexible use of funds for any purpose
Cons
  • Higher interest rates than secured loans
  • Stricter credit requirements
  • Lower maximum loan amounts available
Best For

People who need flexible funding for any purpose without risking their assets. Ideal for debt consolidation, home improvements, holidays, and old or exotic vehicles.

Fixed Rate Car Loan

A secured car loan with a fixed interest rate that remains constant throughout the loan term, providing predictable monthly payments.

Loan Amount$5,000 - $200,000
Term12 - 84 months
Interest RateFrom 6.59%
Comparison Rate^From 8.26%
Time to Fund24 - 48 hours
EligibilityMinimum income $25,000, Australian resident, Fair credit score
Pros
  • Predictable monthly payments with fixed interest rates
  • Protection against interest rate increases
  • Easier budgeting and financial planning
Cons
  • Cannot benefit from interest rate decreases
  • Typically higher initial rates than variable loans
  • Less flexibility in payment structure
Best For

Budget-conscious borrowers who want predictable monthly payments and protection against interest rate increases. Ideal for first-time car buyers or those on fixed incomes.

Variable Rate Car Loan

A secured car loan with an interest rate that can fluctuate with market conditions, potentially offering savings when rates decrease.

Loan Amount$5,000 - $200,000
Term24 - 84 months
Interest RateFrom 6.09%
Comparison Rate^From 7.76%
Time to Fund24 - 48 hours
EligibilityMinimum income $30,000, Australian resident, Fair credit score
Pros
  • Can benefit from interest rate decreases
  • Often lower initial rates than fixed loans
  • More flexible loan features available
Cons
  • Monthly payments can increase with rising rates
  • Uncertainty in budgeting due to rate fluctuations
  • Risk of significant payment increases
Best For

Financially savvy borrowers who can handle payment fluctuations and want to capitalise on falling interest rates. Great for those with stable income who expect rates to drop.

What can you use ute and truck finance for?

Tailor your finance to how you actually use your vehicle — weekday workhorse, weekend adventure or both.

Work & Trades

Finance a HiLux, Ranger, BT-50, D-MAX or Triton fitted with trays, canopies, ladder racks and drawers so you can carry tools safely and stay organised.

Family Dual-Cab

Get a safe, roomy dual-cab with ISOFIX and modern safety tech — perfect for school runs and weekend trips.

Off-Road & Touring

Step up to a 4x4 build with suspension, bull bar, tow kit and snorkel — or go full touring spec for the Big Lap.

Towing Power

Need serious tow capacity for a boat, caravan or car trailer? Consider full-size trucks like RAM 1500/2500, F-150/F-250 or Silverado.

Lifestyle & Recreation

Mountain bikes, surfboards, camping gear — set up your rig for the hobbies that make weekends worth it.

Replacement Vehicle

Upgrade from an unreliable ute into something safer, stronger and more efficient without a big upfront hit.

Case Study

Ute and Truck Finance Case Study

Alex & Priya

Alex & Priya step up to a RAM 1500—power for the 3.5t van, payments that fit


Challenge: Towing a 3.5-tonne caravan safely meant stepping beyond their old ute, but Alex and Priya didn’t want repayments derailing the household budget.

Solution: A secured, fixed-rate 5-year loan funded 90% of a low-km RAM 1500, with tow package, brake controller and canopy bundled at settlement.


Emu Money compared multiple lenders and they chose a sharp fixed rate with one consolidated repayment. The result was a calmer, more capable tow rig and a calendar full of longer trips—no giant deposit, no surprises, and monthly costs that stay comfortably on track.

How much can you borrow?

Loan sizes typically range from $10,000 to $150,000+. New utes and full-size trucks can often be financed up to 100% of the purchase price (subject to profile and lender policy). Used vehicles are usually capped at 80–90% of value.

Terms run 1–7 years. Shorter terms mean higher monthly repayments but less interest overall; longer terms keep repayments lower but increase the total interest paid. We’ll help you find the balance that fits your budget.

Ute and Truck Finance Repayment Calculator

Model your repayments before you apply. Adjust amount, rate, term and balloon to see what fits.

Loan Amount
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Establishment Fee
$
Loan Term (months)
Interest Rate
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Total amount to repay
$0.00
Your repayments
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Balance over time

Are you eligible for ute and truck finance?

Lenders want to see that the repayments fit comfortably alongside your other bills. They’ll consider your income, employment stability, credit history and bank-statement health. The vehicle matters too — newer utes and trucks (including RAM, F-Series and Silverado) often attract sharper rates and longer terms, while older models may come with lower maximum LVRs and shorter terms.

If your credit isn’t perfect or you’re self-employed, there are still options. Specialist lenders may offer flexible policies so you can get into the right vehicle without unnecessary hurdles.

You may be eligible if you are:

  • An Australian resident aged 18+

  • Earning a regular income (PAYG or self-employed)

  • Able to provide recent bank statements or payslips

  • Buying an eligible new or used ute/truck from a dealer, auction or private seller

How to apply for ute and truck finance

Apply online in a few minutes, upload your documents, and we’ll do the legwork. We’ll compare lender offers, explain the differences, and manage settlement with the seller so pickup is smooth.

Documents you may need:

  • Driver’s licence or passport

  • Recent payslips or bank statements

  • Employment/ABN details

  • Vehicle details (VIN, rego, invoice/quote) — plus accessory quotes if you’re bundling fit-outs

How to save money on ute and truck finance

Look beyond the headline rate. Secured loans usually price sharper than unsecured. A balloon can cut monthly repayments but leaves a lump sum at the end — set the balloon to align with expected resale value. Newer vehicles often qualify for better pricing and longer terms. Bundle accessories (tow kits, canopy, tray, bull bar) at settlement so they’re financed at the same competitive rate. And always check fees and early-repayment policies to avoid bill-shock later.

Example: Balloon impact — $55,000 over 60 months at 8.19% p.a.:

BalloonApprox. Monthly RepaymentNotes

$0

$1,121

Highest monthly cost

10% ($5,500)

$1,009

Lower monthly cost

20% ($11,000)

$898

Balance of cost vs cash flow

30% ($16,500)

$787

Lowest monthly cost; plan for resale/refinance

Ute and truck loan options explained

These features change cost, flexibility and risk — pick what suits how you use your vehicle:

Secured vs Unsecured

Secured loans use the vehicle as collateral for sharper pricing. Unsecured loans can be faster and more flexible but usually cost more.

Fixed vs Variable

Fixed keeps repayments steady. Variable can move with the market — potential savings if rates fall, higher costs if they rise.

Balloon Payments

Lower your monthly cost by deferring a lump sum to the end. Make sure resale value or savings can cover it.

Early Repayment Flexibility

Some lenders allow extra repayments or early payout with little/no penalty — a simple way to save interest.

Fees & Charges

Check establishment, monthly and exit fees. The total cost is rate + fees + how long you hold the loan.

Testimonials

VerifiedVerified Review

Just the best organiser and extremely helpful 👌. Strongly recommend!!!

Cleo C.

Review posted on 2024-02-01

VerifiedVerified Review

Received a wonderful, organised & professional experience with Evette. Recommend highly her service and knowledge.

Colin B.

Review posted on 2024-02-28

VerifiedVerified Review

Emu Money is fantastic! I had Evie secure my personal car loan, and throughout the whole process she was very transparent. She gave me a comprehensive breakdown of the contract and guided me through the process. She's always available to chat, and is dedicated to her clients. She even advised me about my cash out limit that I didn't think of, which would've delayed me getting my car by another day. This reminded me to go to the bank directly. Her advice helped me a lot!

Akwesi A.

Review posted on 2025-09-23

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I've got the best service at Emu Money and their willingness to help you out. Evette went out of her way to help assist for the desired results. I will highly recommend them to anyone. Evette's industry knowledge & service was exceptional! I highly recommend her & will definitely reach out should we need any financial services in the future. Thank you

Mazhar A.

Review posted on 2025-04-25

VerifiedVerified Review

Dealing with Ryan has been excellent from start to finish ! Quick response no questions in answered great experience all round

Daniel W.

Review posted on 2023-12-20

VerifiedVerified Review

I had an excellent experience with Emu Money as they managed my car financing process smoothly and quickly. They were extremely professional and proactive, making the entire process stress-free. From start to finish, Emu Money’s team ensured that everything was handled efficiently, keeping me informed along the way. I appreciate their responsiveness and dedication, which made the process seamless. Highly recommend Emu Money for anyone looking for a reliable and professional financial partner!

Zain R.

Review posted on 2023-10-18

Frequently Asked Questions

Ute and Truck Finance FAQs

These helpful FAQs will help you find the answers you need. If you can't find what you're looking for, you can request a callback below.

Can I finance a full-size American truck?
Do I need a deposit?
Can I include accessories?
Private sale vs dealer — any difference?
Fixed or variable — which is better?
What term should I choose?
Can I repay early?
The information, tools, and material presented on emumoney.com.au are provided for informational and comparative purposes only and do not constitute financial advice or a recommendation. While we strive to ensure the accuracy and timeliness of the information provided, we make no guarantees or warranties, either expressed or implied, regarding the completeness, accuracy, reliability, or suitability of the information, products, services, or related graphics contained on this website. The loan rates, terms, and repayments presented are based on user inputs and the data provided by lenders in our network. These are estimates and indicative figures only. Actual loan rates, terms, and repayments may vary based on the specific lender, your creditworthiness, market conditions, and other factors not accounted for in our tools.
^The comparison rate shown is for a secured loan amount of $30,000 over a term of 5 years based on monthly repayments. Warning: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. Any calculations or estimations do not constitute an offer of credit or a formal credit quote and is only a calculation of what you may be able to achieve based on the information you have entered. It does not consider suitable product features or loan product types. Rates + repayments shown are based on user inputted data. All applications for credit must be verified prior to the formal assessment process. All applications for credit approval are subject to lender credit approval. Approval is not guaranteed.
The minimum loan term available is 12 months, and the maximum loan term is 84 months. Maximum Annual Percentage Rate (APR): The maximum APR, which includes the interest rate plus fees and other costs calculated annually, is 28.45% per annum. Representative Example: For a loan amount of $30,000 over a term of 5 years (60 months) at an annual interest rate of 6.09% p.a., the total repayment amount including all fees and charges would be $36,291.11, with a monthly repayment of $604.85.